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I made a spreadsheet and realized that I have some things in place and I need to work on others.
I have had a will for 40 years, but it is time to update it because of life changes. I also need to investigate long term care insurance, and make a budget plan.
Having children who are successful in their jobs and families, I also note that they don't make long terms plans that are detailed. I think part of that is putting off what they can do tomorrow. It appears that one child is trying to max out how much she can earn in order to travel and save for a rainy day. Her approach to budgeting it to buy necessities on sale and limit her "wants" purchases on sale.
The second child is working toward a PhD and is also carrying a second job. He put his wife through undergraduate schools in accounting and she now works full time. Her goal is to live a luxurious life as soon as possible. His is to enjoy life, accomplish his goals, and spend wisely.
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